| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| USI INSURANCE SERVICES LLC3 | 101 WEST MAIN STREET WORLD TRADE CENTER, SUITE 900 NORFOLK, VA 23510 | UNITEDHEALTHCARE INSURANCE COMPANY | $59K | $12K | $71K | 2.46% |
| KELLY & ASSOCIATES INSURANCE GROUP3 Filed as: KELLY & ASSOC INS GROUP INC | 1 KELLY WAY SPARKS, MD 21152 | UNITEDHEALTHCARE INSURANCE COMPANY | -$59K | $9K | -$50K | -1.73% |
| USI INSURANCE SERVICES LLC3 | 101 WEST MAIN STREET WORLD TRADE CENTER, SUITE 900 NORFOLK, VA 23510 | HEALTH PLAN OF NEVADA/SIERRA HEALTH & LIFE | $4K | $0 | $4K | 0.76% |
No Schedule C service providers reported on this filing.
Benefits declared on the Form 5500 main form (✓ = also has a Schedule A insurance contract; otherwise the benefit is funded out of plan assets or via a Schedule C TPA).
The plan reports several different headcounts depending on which form you read. Each one measures a different slice of the population.
| Active participants | 295 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 295 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | UNITEDHEALTHCARE INSURANCE COMPANY | 694 | $3.4M |
| Dental | UNITEDHEALTHCARE INSURANCE COMPANY | 694 | $2.9M |
| Vision | UNITEDHEALTHCARE INSURANCE COMPANY | 694 | $2.9M |
| Life insurance | UNITEDHEALTHCARE INSURANCE COMPANY | 694 | $2.9M |
| Short-term disability | UNITEDHEALTHCARE INSURANCE COMPANY | 694 | $2.9M |
| Long-term disability | UNITEDHEALTHCARE INSURANCE COMPANY | 694 | $2.9M |
| Prescription drug(2 contracts, 2 carriers) | UNITEDHEALTHCARE INSURANCE COMPANY | 694 | $3.4M |
| Other | UNITEDHEALTHCARE INSURANCE COMPANY | 694 | $2.9M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 694 | — |
Why the numbers differ. Form 5500 line 6 counts employees + retirees + beneficiaries; no dependents. Schedule A persons-covered counts everyone enrolled, including spouses and children, so it usually exceeds line 6 by 30-60% on a working-age workforce. The medical row is normally the broadest single line because it has the highest take-up; dental/vision/life often dip below it. Stop-loss / reinsurance contracts sometimes report the carrier's full underwriting pool rather than this filer's headcount; the row is shown for transparency but shouldn't be read as "people in this plan."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker comp is under 1% of premium on a >$1M plan. Plan may be flying solo or paying a flat fee — consultant sales target.